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Guides11 min karatu·Sep 2026

What is mobile money? A complete guide for Africa

How wallets, agents, USSD and the trust account work together, why mobile money took off in Africa, and where it is heading next.

T
The PesaBridge team · Product
Karanta

Ƙarin bincike

Strategy·11 min·Jun 2026

White-label vs. build: the real cost of your own wallet

A double-entry ledger, KYC, agents, settlement, USSD and apps — what it actually takes, and why most operators don't build it twice.

TThe PesaBridge teamKaranta
Engineering·11 min·Jun 2026

Why your wallet's ledger must be double-entry

Single-table balances drift. A clearing-grade ledger can't. Here's the invariant that lets a regulator trust your books.

TThe PesaBridge teamKaranta
Product·11 min·Jun 2026

Reaching the feature phone: the case for USSD

A wallet that only ships as an app writes off most of a market on day one. USSD brings the customers an app never will.

TThe PesaBridge teamKaranta
Engineering·11 min·Jun 2026

Prompt-to-pay, explained: STK push done right

How a merchant push turns into a PIN prompt on the customer's phone — and what it takes to make it instant, safe and idempotent.

TThe PesaBridge teamKaranta
Compliance·11 min·Jun 2026

Designing KYC tiers a regulator accepts

Open access and strong control aren't opposites. Tiered KYC, enforced by the ledger, gives you both.

TThe PesaBridge teamKaranta
Strategy·11 min·Sep 2026

How to start a mobile money business: licence, partners and launch

The licence, the trust account, agents, fees and the platform: a step-by-step plan for banks, telcos, fintechs and SACCOs.

TThe PesaBridge teamKaranta
Agents·11 min·Sep 2026

Agent banking networks explained: how cash reaches every customer

How agents and super-agents turn shops into bank branches, how they earn, and how operators recruit, supervise and grow a network.

TThe PesaBridge teamKaranta
Agents·11 min·Sep 2026

Agent float and liquidity: keeping every agent open for business

Why agents run out of cash or e-float, how to forecast demand, and the rebalancing tools that keep customers from being turned away.

TThe PesaBridge teamKaranta
Compliance·11 min·Sep 2026

Mobile money fraud prevention: attacks, signals and controls

SIM swaps, social engineering, agent fraud and insider risk: how each attack works and the layered controls that stop it.

TThe PesaBridge teamKaranta
Compliance·11 min·Sep 2026

E-money licensing in Africa: what regulators ask for

Capital, governance, the trust account, AML/CFT and consumer protection: how to prepare an e-money licence application that succeeds.

TThe PesaBridge teamKaranta
Engineering·11 min·Sep 2026

Mobile money interoperability: how wallets, banks and switches connect

On-net, off-net and national switches: how interoperable transfers flow, settle and fail safely, and what it means for your wallet.

TThe PesaBridge teamKaranta
Engineering·11 min·Sep 2026

Mobile money reconciliation: proving every balance, every day

Ledger, partners and the bank: a practical guide to daily reconciliation, the trust account check and resolving breaks.

TThe PesaBridge teamKaranta
Payments·11 min·Sep 2026

QR codes, tills and prompt-to-pay: merchant payments in Africa

How small shops accept wallet payments, which method suits which merchant, and how to stop fake payment messages.

TThe PesaBridge teamKaranta
Business·11 min·Sep 2026

Bulk disbursements: paying salaries and beneficiaries straight to wallets

Files, approvals and failed lines: how organisations pay hundreds of people at once, safely and with a full audit trail.

TThe PesaBridge teamKaranta
Payments·11 min·Sep 2026

Cross-border remittances: how mobile wallets cut the cost of sending money home

Why remittances are expensive, how wallet corridors work, and what senders and recipients need to trust a service.

TThe PesaBridge teamKaranta
Product·11 min·Sep 2026

Digital chamas: taking group savings from notebooks to wallets

Chamas, stokvels, tontines and VSLAs: how savings groups work and how wallets make contributions, records and payouts transparent.

TThe PesaBridge teamKaranta
Product·11 min·Sep 2026

Digital lending on mobile wallets: scoring, pricing and responsible credit

How wallet data powers small loans, how to price and collect fairly, and the rules that keep digital credit responsible.

TThe PesaBridge teamKaranta

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